Experience

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  ViewPoint Bank

  • Plano Texas

  • AVP Default Manager

    • 2010 - 2015
    • Plano Texas

    Established departmental goals; served in annual budget process, managed to budget; maintained vendor relationships; oversaw outsourced processes; selected and trained personnel; developed and updated procedures, processes and policies; and improved process efficiencies. Oversaw day-to-day management of defaulted loan and loss mitigation departments, including establishment of operational performance metrics; completion and communication of employee performance evaluations; process design and improvement; loan risk evaluation; and reconciliation of variances between banking systems. Monitored employee productivity to meet SLAs. Managed six direct and three indirect reports. • Led department to meet or exceed targeted results each year as well as developed software solutions to improve multiple processes within area of operations. Examples that significantly increased accuracy in production process included: o Designed production of a monthly watch list, resulting in reduced production times from 4 days to less than one hour; o Improved problem asset review process, resulting in reduced completion time from 1 day to 30 minutes per month; o Enhanced monthly foreclosure listings review process to reduce process completion time from up to 5 hours per month to less than 2 minutes per month; o Improved monthly loan reserve adequacy review process to reduce completion times from five days to less than one hour each month;o Developed procedure for testing loans programmatically to recommend inclusion on monthly watch List, improving completion time from up to four hours to less than two minutes per month;o Created non-accrual loan review listing for use in month-end reconciliation to improve process completion time from two hours per month to less than one minute. • Oversaw reduction of real estate owned assets by 70% during tenure, improving recovery rates on liquidations to 96%.• Achieved zero external turnover rates for area of operation for four years.

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  First Texas Bank

  • Georgetown, Texas

  • Credit Analyst

    • 2008 - 2010
    • Georgetown, Texas

    Performed analysis of income statements, cash flow statements, balance sheets, and tax returns for commercial/residential loan applicants to determine adequacy of funds to repay existing or proposed new debt by consumers and commercial entities, summarizing analysis in loan file for review by Chief Credit Officer and President of bank. Conducted complete review of borrowers’ cash flows and debt ratios to assist in risk evaluation. Prepared quarterly defaulted loan watch list; reviewed and documented all new real estate appraisals; and completed analysis of commercial loan borrowing bases on lines of credit secured by accounts receivable. • Reorganized annual review process to ensure all required documentation was in-hand prior to review due date, resulting in all reviews completed accurately and on time. • Maintained banks’ list of approved real estate appraisers, ensuring evidence of current licensing in file.

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  Indaymac Bank

  • Austin, Texas

  • VP Collections Operations

    • 2007 - 2008
    • Austin, Texas

    Accountable for the management of the daily operations of three reporting units of the business entity, to include consumer loan collections, off shore out-bound dialer group in Mumbai, India, and Default Reporting. Responsibilities included: hiring and training of collectors to ensure adequacy of skip tracing, and problem solving skills; establishment of collector performance metrics to ensure the highest probability of account resolution; timely and accurate documentation of all conversations on all accounts; completion and communication of collector performance evaluations: policy and procedure development and documentation; completion of collector work schedules to ensure adequacy of coverage during all peak call times; process design and improvement; and preparation of monthly collections and repossession reports. Collections were required to receive annual training in FDCPA.

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  Vanderbilt Mortgage and Finance, Inc

  • Austin, Texas Area

  • Regional Portfolio Manager

    • 2002 - 2007
    • Austin, Texas Area

    Served as senior onsite manager responsible for operational results of three groups, including personnel selection and training; establishment of operational performance metrics; achievement of targeted goals related to processes, budgeted expenses and headcount; establishment of work schedules; monitoring employee productivity; ensuring operations properly followed company policy and procedures; and ensuring employees received accurate and timely feedback on individual performance.• Led overall operational improvement for remote location from rating of third best to best within first year. Oversaw delinquency reductions of 20% and improved recovery rates on repossessed assets of 12%.• Developed software desktop solution to aid employees in answering customer questions about simple interest loans.• Created custom-built software solutions to provide each employee with feedback on progress towards goal month to date and comparing to same time in previous month.• Oversaw reduction of delinquency rates on newly purchased portfolio in 2006 from 8.0% to 2% within first three months and to overall average of 2.0% for all of 2006.• Managed operation center's cost to within budget and maintained employee turnover rates well below company targets.

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  Chase Home Finance

  • Cleveland, OH

  • VP Late Stage Collections

    • 2000 - 2002
    • Cleveland, OH

    Enhanced procedure documentation and established appropriate performance metrics, leading to corporate audit grade improvements in all areas from failing to grades of A in two areas and B in third. Improved field force tracking results by working with software developers to create more user friendly tracking programs and modification of access from dial up to VPN connections.

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  Associates Housing Finance, LLC

  • Knoxville, Tennessee

  • SVP Loan Servicing Operations

    • 1998 - 2000
    • Knoxville, Tennessee

    Served in site selection process and hired key management personnel to open site 30 days ahead of schedule. Led improvement in key collection results by 12% to 33% in first year of operation, compared to decentralized operations.

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  Vanderbilt Mortgage and Finance, Inc

  • Knoxville, Tennessee

  • Vice President Loan Servicing and Collections

    • 1990 - 1998
    • Knoxville, Tennessee

    Instituted key-employee performance metrics, leading to improved results of 30% in delinquencies and reduction of repossessions and foreclosures by 7% within first year.

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  Security Pacific Housing Services, Inc.

  • Winston-Salem, North Carolina

  • Regional Business Center Manager

    • 1988 - 1990
    • Winston-Salem, North Carolina

    Oversaw staffing, employee performance metrics, local HR administration, sales force management, and budget development.

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  General Electric Capital

  • Charlotte, North Carolina

  • Division Manager of Customer Service (Home and Recreation Finance Division)

    • 1982 - 1988
    • Charlotte, North Carolina

    Led division collection contact center in reduction of delinquency from over 5.0% to less than 2.5% in 1987. Similar results in collection management positions at the regional and district levels. Achieved 20% improvement in sales production, including team result improvement from 85% of YTD targets to exceeding budget for year by 11% in 1985.